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Foreclosure in Washington: A Fast Timeline
Foreclosure is the legal process of a mortgage lender reclaiming your home after missed payments. In Washington, this can happen non-judicially — meaning lenders don’t even need to go to court.
Once you’ve missed 3–4 months of payments, you may receive a:
From there, the sale date can move fast — typically within 120 days in Washington.
Can You Stop Foreclosure?
Yes — but time is limited. Here are your key options:
1. Loan Modification or Forbearance
Work with your lender to adjust payments or pause your mortgage. This is common under hardship cases like illness, divorce, or job loss. Learn more.
2. File for Bankruptcy
This temporarily halts foreclosure through automatic stay. But it’s a serious legal step with long-term credit impact.
3. Sell Your House Before the Auction
Selling your home before the foreclosure date is often the simplest and cleanest way to resolve the issue — especially if you have equity.
At REI Branded Home Buyer, we help Washington homeowners in Spokane, Tacoma, Everett, and Kennewick stop foreclosure by buying houses fast — as-is and in cash.
No showings. No repairs. No commissions.
What If the Sale Price Doesn’t Cover the Loan?
This is called a short sale. In Washington, your lender may agree to accept less than what you owe to avoid going through foreclosure.
This can work if:
- You’re upside-down on your mortgage
- You can prove financial hardship
- The home is in poor condition
Other Foreclosure Resources in Washington
- Washington Department of Revenue
- FHA Loans Foreclosure Assistance
- VA Loans Help
- IRS — if tax liens are involved
- Washington Realtors
You Still Have Time — But Not Much
If you’re receiving default notices, don’t wait. Contact REI Branded Home Buyer for a fast, confidential offer to stop foreclosure before it damages your credit or strips your equity.
You don’t need an agent. You don’t need to clean. You just need to act.
📩 Email us to get started or request your offer online.
Disclaimer: This article is intended for educational purposes and does not constitute legal or financial advice. Consult an attorney or foreclosure counselor for personalized guidance.
Sell Your Washington House Fast Today
About REI Branded Home Buyer
Real People. Real Stories. Real Solutions. We’re George and TJ — two regular guys who teamed up to create REI Branded Home Buyer, a local company with one simple mission: to help people sell their homes without stress, games, or pressure. We actually met at a local real estate meetup. A mutual friend randomly shouted, “Hey George, do you want to be this guy’s mentor?” George laughed and said, “Just give him my cell!” A coffee meeting later, and the rest is history. We've been working together ever since. Our passion for helping homeowners comes from personal experience. George was once homeless, so he deeply understands what it’s like to face housing uncertainty. TJ’s family went through a crisis and had to sell their home fast — with the help of a cash homebuyer. Those experiences shaped who we are and inspired us to create a company that treats people the way we wish we’d been treated. Let’s be real: the real estate world is full of shady companies, pushy salespeople, and sleazy homebuyers who care more about profit than people. We started REI Branded Home Buyer because we believe it should be the other way around — people first, profit second. We’re proud to call Spokane home. Our wives, Jenny and Michelle, love the slower pace of life here and all the outdoor beauty Washington has to offer. George and Jenny have two amazing daughters and two dogs — they love to travel and recently visited Japan to see their daughter abroad. TJ and Michelle are outdoor lovers through and through — backpacking, hiking, hunting, fishing, even rock climbing. Michelle’s become quite the mountaineer! If you’re thinking about selling a house — no matter the reason — we’d love to hear your story and see how we can help.